HDFC Bank Regalia Credit Card
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Premium · Closed to new applications · Earns Reward Points
HDFC Bank no longer offers this card. The bank’s own page says: “The sourcing of this card has been discontinued.”
Open alternatives
- HDFC Bank Millennia Credit Card₹1,0001%
- Paytm Credit Card₹5001%
- Paytm Digital Credit Card₹1491%
- Paytm Mobile Credit Card₹1490.5%
First-year fee
₹2,500 + GST
Annual fee
₹2,500 + GST
What it gives back
4 Reward Points per ₹200 · everyday spends
Fees
Renewal feeJoining fee
₹2,500 + GST
Fee waiver rule
Membership fee waived on spends of ₹3 lakh in the anniversary year
Add-on card fee
₹0
Welcome offer
Welcome benefit
2,500 reward points
Rewards
Reward rate
4 Reward Points per ₹200 · everyday spends4 Reward Points on every ₹200 spent.
EMI spend earning
EasyEMI and e-wallet loading transactions do not qualify for Reward Points.
Fuel earning
Reward Points will not be accrued for fuel transactions.
Government spend earning
Reward points will not be accrued for government transactions.
Groceries earning
Reward points earned on grocery transactions will be capped at 2000 RP per calendar month.
Insurance spend earning
Reward Points accrued for insurance transactions capped at 2,000 points per month.
Rent earning
Reward points will not be accrued for rental pay transactions.
Travel earning
Up to 5x Reward Points on booking flight tickets, hotel stays, gift vouchers and more via SmartBuy
Utilities earning
Additional CashBack along with the card Reward Points on Utility Bills, Mobile Recharges and more.
Wallet load earning
E-wallet loading transactions do not qualify for Reward Points.
Reward exclusions
Reward Points will not be accrued for fuel, rental pay and government transactions; EasyEMI and e-wallet loading transactions do not qualify.
Reward caps
Redemption of Reward Points for flights and hotel bookings on SmartBuy portal capped at 50,000 Reward Points per calendar month.
What one reward unit is worth
Flights and hotel bookings ₹0.5; Airmiles conversion up to 0.5 airmiles; Products and Voucher up to ₹0.35; Cashback up to ₹0.15
Cashback redemption
Cashback up to ₹0.15
Catalogue redemption
Products and Voucher up to ₹0.35
Hotel redemption
Flights and hotel bookings: 1 Reward point Equivalent to ₹0.5.
Point expiry
Reward Points valid for 2 years from the date of accumulation.
Airline and hotel partners points may move to
Airmiles conversion up to 0.5 airmiles
Card benefits
International lounge access
Use a priority pass to access up to 6 complimentary international lounges for themselves and their add-ons
Domestic lounge access
Up to 2 complimentary lounge access vouchers every quarter for Self and Addon member based on spends of minimum ₹1 lakh per calendar quarter
Priority Pass
Up to 6 complimentary lounge accesses per year outside India via Priority Pass, after using card minimum 4 times
Dining programme
Up to 7.5% discount on partner restaurants via Swiggy Dineout on paying with HDFC Bank Regalia Credit Card
Concierge
24 X 7 Exclusive Concierge Services on your HDFC Bank Regalia Credit Card.
Milestone benefits
10,000 Reward Points on annual spends of ₹5 lakh.
Renewal benefit
2500 reward points, applicable only after the membership fee is realised and not applicable when the fee is waived
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹500 per statement cycle
Surcharge on railway tickets
1% of the transaction amount + GST on Railway Ticket Purchases
Air accident cover
Accidental air death cover worth ₹1 crore (USD 125,000)
Lost card liability
Lost Card Liability Cover: Upto ₹9 lakhs
Medical and hospitalisation cover
Emergency overseas hospitalization up to ₹15 lakhs (USD 18,750)
Travel insurance
Accidental air death cover worth ₹1 Crore (USD 125,000); Emergency overseas hospitalization: up to ₹15 lakhs (USD 18,750)
Balance transfer terms
Balance Transfer Processing Charges: 1%.
Purchase to EMI conversion
Option to convert your big spends into EMI after purchase.
Charges
Forex markup
3.5% on foreign currency transactions.3.5% on all foreign currency spends
Dynamic currency conversion markup
1.75%1.75% on each International transaction carried out in Indian currency at an international location or with merchants located in India but registered in a foreign nation
Cash advance fee
2.5% or ₹500 whichever is higher, levied on the amount withdrawn.
Cash advance interest
Finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% Monthly / 45.0% Annually (excluding GST)
Late payment fee
Nil to ₹1,300 (excl. GST), by bill amount
Over-limit fee
2.5% of overlimit amount (minimum ₹550)
Payment return or dishonour fee
2% of the payment amount (minimum ₹450)
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal card variants.
Cash payment / cash deposit fee
Cash Processing Fee: ₹100 for all card payments made by depositing in HDFC Bank branches or ATMs.
Charge for lounge visits beyond the free limit
HDFC Bank Regalia Credit Card cardholders exceeding 6 complimentary visits will be charged US $27 plus GST per visit.
Education / school fee charge
1% fee on Education transactions done through third party applications like CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction.
EMI conversion fee
Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)
Fee on online skill-based gaming spends
1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month; fee capped at ₹4999 per month.
Foreign ATM fee
2.5% or ₹500 whichever is higher, on cash from ATMs in India or abroad.
Reward redemption fee
₹99 + GST per catalogue redemption request
Wallet load charge
1% fee on Wallet loading spends exceeding ₹10,000 in a calendar month; fee capped at ₹4999 per month.
Fuel transaction fee
1% fee on Fuel transaction exceeding ₹15,000 for consumer cards; fee capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount will be levied on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per Calendar month for consumer cards; fee capped at ₹4999 per month.
GST note
GST applicable on all Fees, Interest, and other Charges
Grace days after the due date
Up to 50 days of interest free Credit from the date of purchase
Minimum amount due
Total GST + EMI amount + 100% of Fees/Charges + 5% of (Finance Charge + Retail Spends + Cash Advance) + Over-limit Amount (if any)
In the terms, not the brochure (3)
Spend that unlocks lounge visits in the next period
Up to 2 complimentary domestic lounge access vouchers every quarter on Smartbuy, for Primary and Addon subject to quarterly spends of ₹1 lakh
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
What must be paid with the card for the cover to apply
Liability on lost card will start from the date of dispatch of the card up to 30 days, whereas Air Accident/ Emergency Medical Expenses will start from the date of activation of the card (means first POS transaction/cash withdrawal by the cardholder)